Community Finance

If you are not eligible for a NILS® loan or have other credit and debt issues, contact the National Debt Hotline on 1800 007 007, www.ndh.org.au 9:30am to 4:30pm, Monday to Friday, for help and assistance. There may be other options available, such as talking to a free and confidential financial counsellor to get your finances sorted.

Payments to a third party for a private sale also cannot be approved under the NILS program.

NILS providers outside of our locality can be located here. Step Up Loans to a value of $3000 can also be obtained from other providers. More information on Step Up Loans can be found here.

NILS is available to community members on a low income who are not experiencing financial hardship. If you are in financial hardship, please contact Encircle on 3889 0063 to explore other ways we may be able to assist you.

AddsUP savings

You can open up an AddsUP savings account after you have paid off your first NILS Loan.

This savings plan is a great way to start getting into the habit of saving money. If you save $500 over 6 to 12 months, the National Australia Bank will reward you with another $500 as a once off bonus. Keep saving and watch your bank account grow!

If you wish to find out more, contact our AddsUp volunteer on Mondays at PRNC by calling 3889 0063 or at *protected email*

There are three different options for a customer to make savings on their account:

1. The customer can ask whichever financial institution they have their regular savings account with to set up regular automatic drawings in to their savings account. 2. The customer can make transfers via internet banking. 3. The customer can ask the NAB branch staff to organise a deposit book for them when they are down at the branch.

As per the AddsUP Savings Plan ‘Terms and Conditions’, all customers must save for a minimum period of 6 months before they are eligible for matching and the customer will not be matched earlier than the minimum savings period of 6 months.

Your account will automatically be matched when you have successfully saved the $500 within the agreed terms. Once your account has been matched you will receive a letter of confirmation in the mail.

We are a Registered Chartity

Follow Us

On Facebook

What people say..

Invaluable service with ripple effect to the next generation. A much needed and appreciated service to our community..

The staff at Encircle have walked beside me in support of what has been an incredibly hard journey; I don’t quite know how without them, alone, I would have been able to as successfully navigate my way through.

My counseling / family therapist has been particularly helpful over a number of months.. Non-judgmentmental, compassionate, caring and highly skillful. It’s difficult to express in words but I am extremely grateful.

Five years ago when crisis struck my family we were blessed to be linked in with Encircle for support, that to this day they are still there for us.

Invaluable service with ripple effect to the next generation. A much needed and appreciated service to our community.

I have had incredible positive changes working through personal growth with outstanding support & guidance from my counsellor. I can’t thank her or this service enough for their selfless service they provide which truly comes from their heart.

Family Support Redcliffe supported me in life-changing decisions ..she was a priceless gem in my chaotic, depressing, mess of a life. The staff was absolutely the best thing that happened to our family.